डेब्ट-टू-इनकम रेशियो (DTI) कैलकुलेटर
Debt-to-Income (DTI) Ratio Calculator
अपने मासिक कर्ज और आय का अनुपात जानें
1. अपनी मासिक आय दर्ज करें (Monthly Income)
2. अपने मासिक कर्ज भुगतान दर्ज करें (Monthly Debts)
3. आपका डेब्ट-टू-इनकम रेशियो (DTI Ratio)
3. Your Debt-to-Income Ratio (DTI)
DTI रेशियो विश्लेषण:
- 30% से कम: बहुत अच्छा! लोन मिलने में आसानी
- 30-40%: सामान्य, लेकिन सावधान रहें
- 40-50%: जोखिम भरा, लोन मिलना मुश्किल हो सकता है
- 50% से अधिक: बहुत जोखिम भरा, कर्ज कम करने की सलाह
DTI — Debt-to-Income Ratio Calculator: In today’s financial era, where loans have become essential for buying homes, cars, or funding businesses, lenders carefully assess a borrower’s repayment capacity before approving credit. This is where the Debt-to-Income Ratio (DTI) plays a crucial role.
This comprehensive guide will explain:
- What is DTI ratio and how does it work?
- How to use a DTI calculator?
- Ways to improve your DTI ratio
- How DTI affects loan approvals
- DTI’s significance in the Indian financial system
What is DTI — Debt-to-Income Ratio?
The DTI ratio is a financial metric that compares your monthly debt payments to your gross monthly income, expressed as a percentage.
DTI Formula:
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DTI Ratio = (Total Monthly Debt Payments / Gross Monthly Income) × 100
Example:
- Monthly Income: ₹80,000
- Monthly EMIs (Home Loan + Car Loan + Credit Card): ₹30,000
- DTI Ratio: (30,000 / 80,000) × 100 = 37.5%
How Does a DTI Calculator Work?
Our DTI Calculator is a smart tool that helps you evaluate loan eligibility in three simple steps:
Step 1: Enter Monthly Income
- Salary/Primary Income
- Additional Income (Bonus, Rent, Freelancing, etc.)
Step 2: Enter Monthly Debt Obligations
- Home Loan EMI
- Car Loan EMI
- Personal Loan EMI
- Credit Card Payments
- Other EMIs
Step 3: Get Instant Analysis
The calculator instantly reveals:
- Your DTI Ratio (%)
- Whether it meets lender standards
- Tips to improve your ratio (if high)
How DTI Ratio Impacts Loan Approvals
Banks and NBFCs analyze DTI before approving loans. Generally:
| DTI Ratio | Loan Approval Probability |
|---|---|
| < 30% | Excellent (Easy approval, better rates) |
| 30-40% | Good (Approval likely but terms may vary) |
| 40-50% | Risky (Approval possible with stricter checks) |
| > 50% | Very Risky (Likely rejection) |
Note: Most Indian lenders prefer a DTI below 40% for unsecured loans and up to 50% for home loans.
How to Improve Your DTI Ratio?
If your DTI is high, follow these strategies:
1. Increase Your Income
- Take up freelancing/part-time work
- Generate passive income (rental, investments)
2. Reduce Existing Debt
- Pay off high-interest loans (credit cards first)
- Make prepayments to lower principal
3. Optimize EMIs
- Extend loan tenure to reduce monthly outgo
- Opt for balance transfers at lower interest
4. Avoid New Debt
- Pause new loans/credit cards until DTI improves
DTI Ratio in the Indian Context
The Reserve Bank of India (RBI) monitors lending risks using DTI. Key insights:
- Home Loans: Most banks allow up to 50% DTI.
- Credit Cards: High DTI may reduce credit limits.
- Business Loans: DTI affects eligibility, especially for self-employed applicants.
Conclusion: Why Use a DTI Calculator?
Your DTI Ratio isn’t just about loan approvals—it reflects financial health. Our DTI Calculator helps you:
- Assess borrowing capacity
- Maintain a balanced debt to income ratio
- Plan smarter repayments
Check your DTI Ratio today and make informed financial decisions!
Frequently Asked Questions (FAQs)
Q1. Is DTI the same as FOIR (Fixed Obligation to Income Ratio)?
No, FOIR excludes discretionary expenses, while DTI considers all debt payments.
Q2. Does DTI affect credit score?
Indirectly—high DTI may lead to credit rejections, impacting score.
Q3. Is rental income counted in DTI?
Yes, if documented as regular income.
Q4. Who should use a DTI calculator?
Anyone planning to borrow or manage existing debt effectively.
Q5. Do business loans consider personal DTI?
Yes, if the loan requires a personal guarantee.
